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BILL Holdings, Inc. (BILL) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

BILL Holdings, Inc.

BILLMarket cap $3.75BPrice $44.0

Country🇺🇸United States

SectorTechnology

IndustrySoftware

BILL runs the financial back office for small and midsize businesses, automating invoicing, payments, and expense tracking. It processes hundreds of billions in payment volume annually, quietly powering cash flow for companies too small for enterprise software but too big for spreadsheets.

In Bastion Portfolios?

52W Return-14%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+16%8

Revenue Forecast

Rev CAGR (1y)+11%6

Rev CAGR (3y)+11%7

Rev CAGR (5y)+7%6

Earnings Forecast

EPS Growth Y+10%5

EPS Growth Y+2+18%8

EPS Growth Y+3+17%8

Quality

Margins

EBIT Margin1%2

Net Income Margin-1%2

Free Cash Flow Margin25%9

Debt

Net Debt/EBITDA-0.410

Efficiency

ROE-0%2

ROA-0%2

Earnings Stability44

GEAR+AVERAGE47

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)109

P/E Ratio (Forward 3y)79

P/BV1.19

EV Multiples

EV/EBITDA Fwd88

EV/EBIT Fwd89

Yield

Free Cash Flow Yield11.0%9

Dividend Yieldna–

Momentum

Short term

1 month return-8%4

3 month return+12%9

YTD return-19%2

Mid term

Price vs 52wHigh77%5

1 year return-16%3

Long term

3 year return-61%1

5 year return-84%1

Risk Shield

Price Risk

Beta1.71

Volatility59%2

Free Cash Flow

Free Cash Flow Margin25%9

Free Cash Flow Yield11.0%9

Quality

ROCE0%2

Earnings Stability44

Net Debt/EBITDA-0.410

02Growth

Is it actually growing, and how fast?

BILLBILL Holdings

Revenue FY26$1.7B

GROWTH RATING↗

AVERAGE64 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+16%8

Revenue, next 1Y+11%6

Revenue, next 3Y, CAGR+11%7

Revenue, next 5Y, CAGR+7%6

EARNINGS FORECAST▾SCORE

EPS growth, FY27E0%5

EPS growth, FY28E+18%8

EPS growth, FY29E+17%8

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 16%/yr over the last 3 years, ahead of 70% of companies worldwide.8/10

WATCH

A mid-pack grower, ahead of 64% of companies worldwide.

Revenue is set to grow 11%/yr over the next 3 years, a little ahead of the market.6/10

Revenue grew 16%/yr over the last 3 years; forecasts see it cooling to 11%/yr.

Over five years revenue is set to grow 7%/yr, ahead of 50% of companies worldwide.6/10

WEAKNESSES

The company is loss-making, so its revenue growth is not backed by profit yet.

BOTTOM LINE

Top-Line Rocket

A middle-of-the-pack grower that is slowing. The one thing to watch: the company is not profitable yet.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

WEAK27 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-8%4

3-month return+12%9

YTD return-19%2

MID & LONG-TERM▾SCORE

% of 52-week high77%5

1-year return-16%3

3-year return-61%1

5-year return-84%1

MOMENTUM ASSESSMENT

STRENGTHS

Strong recent results. The stock is outperforming over three months (+12%).

WATCH

It's down 16% over the past year, now 23% below its 52-week high. That is a touch behind the market.

Returns sit at the market level over the past month (-8%).

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (-61% over three years and -84% over five), behind 90% of the market.

The stock is underperforming so far this year (-19%).

BOTTOM LINE

Weak Tape

Returns across short and long horizons rank poorly versus the market. Momentum offers no support here; the case has to come from other factors. The one thing to watch: the multi-year record is weak.

04Value

Are you paying a fair price for it?

Stop guessing on BILL. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

BILLBILL Holdings

Revenue FY26$1.7B

GROWTH RATING↗

AVERAGE64 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+16%8

Revenue, next 1Y+11%6

Revenue, next 3Y, CAGR+11%7

Revenue, next 5Y, CAGR+7%6

EARNINGS FORECAST▾SCORE

EPS growth, FY27E0%5

EPS growth, FY28E+18%8

EPS growth, FY29E+17%8

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 16%/yr over the last 3 years, ahead of 70% of companies worldwide.8/10

WATCH

A mid-pack grower, ahead of 64% of companies worldwide.

Revenue is set to grow 11%/yr over the next 3 years, a little ahead of the market.6/10

Revenue grew 16%/yr over the last 3 years; forecasts see it cooling to 11%/yr.

Over five years revenue is set to grow 7%/yr, ahead of 50% of companies worldwide.6/10

WEAKNESSES

The company is loss-making, so its revenue growth is not backed by profit yet.

BOTTOM LINE

Top-Line Rocket

A middle-of-the-pack grower that is slowing. The one thing to watch: the company is not profitable yet.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

WEAK27 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-8%4

3-month return+12%9

YTD return-19%2

MID & LONG-TERM▾SCORE

% of 52-week high77%5

1-year return-16%3

3-year return-61%1

5-year return-84%1

MOMENTUM ASSESSMENT

STRENGTHS

Strong recent results. The stock is outperforming over three months (+12%).

WATCH

It's down 16% over the past year, now 23% below its 52-week high. That is a touch behind the market.

Returns sit at the market level over the past month (-8%).

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (-61% over three years and -84% over five), behind 90% of the market.

The stock is underperforming so far this year (-19%).

BOTTOM LINE

Weak Tape

Returns across short and long horizons rank poorly versus the market. Momentum offers no support here; the case has to come from other factors. The one thing to watch: the multi-year record is weak.

04Value

Are you paying a fair price for it?

Stop guessing on BILL. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community